Manage Payees

The online banking application enables users to register and maintain payees towards whom payments are to be made frequently or on a regular basis. Payee maintenance is beneficial to users as, it spares the user the effort and time spent to fill out the payee information every time a payment is to be initiated towards the payee’s account.

The ‘Manage Payee’ feature not only enables users to register payees, but also enables them to add accounts to a registered payee and view and edit or delete the accounts of existing payees. Additionally, the user can also initiate a payment from this screen by selecting the option ‘Pay’ against a specific account of a payee.

Payees can be created and maintained for the following types of transfers:

Bank Account Transfers
Internal Bank Account
Domestic Bank Account
International Bank Account
Demand Drafts
Domestic Bank Account
International Bank Account

Pre-Requisites

Transaction access is provided to the retail user
Cooling period is defined

Features Supported In the Application

Create Payee
View Payee
Edit Payee
Delete Payee
Initiate payment towards a Payee

Workflow

You are here How to reach here:

Dashboard > Payments Widget > Manage Payees & Billers

Dashboard > Toggle Menu > Payments > Manage Payees & Billers
OR

Dashboard > Payments Menu > Manage Payees & Billers

Payee Summary

The summarized views of all the Payees maintained by the user are listed on Payee Summary screen. The user is able to search for a specific payee by entering the payee name in the provided search field. The user is able to expand any payee record in order to view the accounts associated with that payee. Subsequently the user is able to view further details of the account associated with the payee and is also able to edit or delete the specific account. The user is also provided with the option to add a new bank account or demand draft to be associated with the payee.

To manage payees:

In the Manage Whom field, select the Payee option.
All the registered payees are listed down by their names defined at the time of payee creation.

Field Description

Field Name	Description
Manage Whom	The option to either manage payees or billers.
The following fields appear if the option Payees is selected under the field Manage Whom.
Payee List	Displays all the payees by their names defined at the time of payee creation.
The following fields appear when the icon (expand option) is selected against any payee name.
Account Nickname	All the accounts associated with the specific payee will be listed down by their nickname defined at the time of payee creation or account addition.
Account Type	The type of account that is associated to the payee will be listed down against the nickname.
Add New Account	Link to add a new bank account to be associated with the payee.
Add New Demand Draft	Link to assign demand draft details to the payee.

From the Payee List, select and click on the payee whose details you want to view.
OR
Click to search for a specific payee whose details you want to view.
The specific payee record appears
OR
Click Add New Payee to create a new payee.

Click against a specific account associated with specific payee and then click View/ Edit.
The View/ Edit Payee screen appears.
OR
Click Pay to transfer funds/ issue demand draft.
OR
Click Delete to delete the payee.
OR
Click the Add New Account or Add New DD link to add new account type or demand draft type of payee.
OR
Click Back to Dashboard to navigate back to the dashboard.

View Payee Details

The user is able to view details of the account associated with the payee by selecting the option ‘View/ Edit’ provided against each account record displayed on expansion of a payee record.

To view payee details:

From the Payee List, select and click on the expand option provided against the payee whose details you want to view.
OR
Click to search and select the payee whose details you want to view.
A card displaying Payee Name, Payee Type and links to add new account or new demand draft to the payee appears.
OR
Click Add New Payee to create new payee.
Click and then click View/ Edit. The View/ Edit Payee screen appears.

Field Description

Field Name	Description
Payee Account card Details - Bank Account The following fields appear if the payee details being viewed are that of a bank account.
Payee Name	Name of the payee.
Account Name	Name of the payee as maintained in the bank account.
Nickname	The nickname assigned to the payee’s account for easy identification.
Account Type	The type of account associated with the payee. The account types can be: Internal Domestic International
Pay Via	The network through which funds will be transferred to the payee’s bank account. This field appears if the Account Type is Domestic or International.
Bank Details	Details of the payee’s bank account which will include the address and bank and branch codes. This field appears if the Account Type is Domestic or International.
Account Number	The bank account number of the payee.
Payee Address	Address of the payee in the bank account. This field appears if the Account Type is International.
Daily Limit	The maximum limit that can be transferred to this account on a daily basis.
Monthly Limit	The maximum limit that can be transferred to this account on a monthly basis.
Payee Account Details - Demand Draft The following fields appear if the payee details being viewed are that of a demand draft.
Payee Name	Name of the payee.
Nickname	The nickname assigned to the payee’s demand draft maintenance for easy identification.
Account Type	The type of account associated with the payee. In this case, the account type will be ‘Demand Draft’.
Draft Type	The type of draft associated with the Payee. The demand draft types can be: Domestic International
Pay at City	The name of the city in which the draft is payable.
Pay At Country	The country in which the draft is payable. This field appears only if the demand draft is an International demand draft.
Delivery Location	The delivery location i.e. the user’s address or selected branch along with the address depending on what was defined at the time of payee creation or addition of new demand draft to the payee.
Daily Limit	The maximum limit that can be transferred to the payee via demand draft on a daily basis.
Monthly Limit	The maximum limit that can be transferred to the payee via demand draft on a monthly basis.
Payee Account card Details - (Peer to Peer) For information on viewing the details of a peer to peer payee, click Payee Maintenance – Peer To Peer Payee.
Payee Account card Details - SEPA (Credit Transfer and Card Payment) The following fields appear if the payee details being viewed are that of a SEPA fund transfer.
Payee Name	Name of the payee.
Account Name	Name of the payee as maintained in the bank account.
Nickname	The nickname assigned to the payee’s account for easy identification.
Account Type	The type of account associated with the payee. In this case, the account type will be ‘Domestic’.
Pay Via	The network through which funds will be transferred to the payee’s bank account. In this case, the values can be either Credit Transfer or Card Payment.
Bank Details	Details of the payee’s bank account which will include the address and bank and branch codes.
Daily Limit	The maximum limit that can be transferred to this account on a daily basis.
Monthly Limit	The maximum limit that can be transferred to this account on a monthly basis.
Payee Account card Details – UK Payments The following fields appear if the payee details being viewed are that of a UK payment.
Payee Name	Name of the payee.
Account Name	Name of the payee as maintained in the bank account.
Nickname	Name of the payee as maintained in the bank account.
Account Type	The type of account associated with the payee. In this case, the account type will be ‘Domestic’.
Pay Via	The network through which funds will be transferred to the payee’s bank account.
Bank Details	Details of the payee’s bank account which will include the address and bank and branch codes.
Daily Limit	The maximum limit that can be transferred to this account on a daily basis.
Monthly Limit	The maximum limit that can be transferred to this account on a monthly basis.

Click Pay to transfer funds to the bank account or to issue demand draft depending on the account type maintained.
OR
Click the (edit option) against the Daily Limit field to edit the daily transaction limit.
The Daily Limit field appears in editable mode.
OR
Click the (edit option) against the Monthly Limit field to edit the monthly transaction limit.
The Monthly Limit field appears in editable mode.
OR
Click Remove Limits to delete the set limits assigned to the specific payee account. This option appears only if limits (either daily or monthly) are assigned to the account.
The Remove Limits pop-up appears.
Select the limit you wish to delete and click OK. A message stating that the selected limit has been removed successfully appears.

Edit Payees(Account Limits)

The user is provided with the facility to assign limits each account of the payee. By way of assigning limits, the user is able to define the maximum daily and/or the maximum monthly limits that are to be applicable to an account of the payee. Alternately the user can also edit or remove these limits, once assigned.

To edit the payee:

From the Payee List, select and click on the expand option provided against the payee whose account limits you want to edit.
OR
Click to search for a specific payee whose account limits you want to edit.
A card displaying Payee Name, Payee Type and links to add a new account or new demand draft to the payee appears.
Click and then click View/ Edit. The View/ Edit Payee screen appears.

Field Description

Field Name	Description
Payee Account Details - Bank Account The following fields appear if the payee details being viewed are that of a bank account.
Payee Name	Name of the payee.
Account Name	Name of the payee as maintained in the bank account.
Account Number	The bank account number of the payee.
Nick Name	Nick name assigned to the payee’s account for easy identification.
Account Type	The type of account associated with the payee. The account types can be: Internal Domestic International
Pay Via	The network through which funds will be transferred to the payee’s bank account. (This field appears if the Account Type is Domestic or International)
Bank Details	Details of the payee’s bank account which will include the address and bank and branch codes. (This field appears if the Account Type is Domestic or International).
Daily Limit	The maximum limit that can be transferred to this account on a daily basis.
Monthly Limit	The maximum limit that can be transferred to this account on a monthly basis.
Payee Account Details - Demand Draft The following fields appear if the payee details being viewed are that of a demand draft.
Payee Name	Name of the payee.
Nick Name	The nickname assigned to the payee’s demand draft maintenance for easy identification.
Account Type	The type of account associated with the payee. In this case, the account type will be ‘Demand Draft’.
Draft Type	The type of draft associated with the Payee. The demand draft types can be: Domestic International
Pay at City	The name of the city in which the draft is payable.
Pay At Country	The country in which the draft is payable. This field appears only if the demand draft is an International demand draft.
Delivery Location	The delivery location i.e. the user’s address or selected branch along with the address depending on what was defined at the time of payee creation or addition of new demand draft to the payee.
Daily Limit	The maximum limit that can be transferred to this account on a daily basis.
Monthly Limit	The maximum limit that can be transferred to this account on a monthly basis.
Payee Account card Details - (Peer to Peer) For information on viewing the details of a peer to peer payee, click Payee Maintenance – Peer To Peer Payee.
Payee Account Details - SEPA (Credit Transfer and Card Payment) The following fields appear if the payee details being viewed are that of a SEPA fund transfer.
Payee Name	Name of the payee.
Account Name	Name of the payee as maintained in the bank account.
Account Number	The bank account number of the payee.
Nickname	The nickname assigned to the payee’s account for easy identification.
Account Type	The type of account associated with the payee. In this case, the account type will be ‘Domestic’.
Pay Via	The network through which funds will be transferred to the payee’s bank account. In this case, the values can be either Credit Transfer or Card Payment.
Bank Details	Details of the payee’s bank account which will include the address and bank and branch codes.
Daily Limit	The maximum limit that can be transferred to this account on a daily basis.
Monthly Limit	The maximum limit that can be transferred to this account on a monthly basis.
Payee Account card Details – UK Payments The following fields appear if the payee details being viewed are that of a UK payment.
Payee Name	Name of the payee.
Account Name	Name of the payee as maintained in the bank account.
Account Number	The bank account number of the payee.
Account Nickname	Name of the payee as maintained in the bank account. For more information on Account Nickname, click here.
Account Type	The type of account associated with the payee. In this case, the account type will be ‘Domestic’.
Pay Via	The network through which funds will be transferred to the payee’s bank account.
Bank Details	Details of the payee’s bank account which will include the address and bank and branch codes.
Daily Limit	The maximum limit that can be transferred to this account on a daily basis.
Monthly Limit	The maximum limit that can be transferred to this account on a monthly basis.

Click the (edit option) against the Daily Limit field to edit the daily transaction limit.
The Daily Limit field appears in editable mode.
OR
Click the (edit option) against the Monthly Limit field to edit the monthly transaction limit.
The Monthly Limit field appears in editable mode.
Edit/ enter limits against the daily/ monthly limits field as the case may be.
OR
Click Remove Limits to delete the set limits assigned to the specific payee account. This option appears only if limits (either daily or monthly) are assigned to the account.
The Remove Limits pop-up appears.
Select the limit you wish to delete and click OK. A message stating that the selected limit has been removed successfully appears.
Click against the Daily Limit / Monthly Limit field to save the changes made.
A message stating that the limits have been set appears.
OR
Click to cancel the editing.
OR
Click Pay to transfer funds/ issue demand draft.
OR
Click Remove Limits to delete the set limits. This option appears only if limits (either daily or monthly) are assigned to the account.
The Remove Limits pop-up appears.
Select the limit you wish to delete and click OK. A message stating that the selected limit has been removed successfully appears.

Delete Payee Account/ Demand Draft

To delete the payee:

From the Payee List, select and click on the expand option provided against the payee whose account you want to delete.
OR
Click to search and select the payee whose details you want to delete.
A card displaying Payee Name, Payee Type and links to add a new account or new demand draft to the payee appears.
Click and then click Delete. The Delete Payee pop up window appears with a warning message prompting the user to confirm the deletion.

Click Proceed to proceed with the deletion request.
OR
Click Cancel to cancel the deletion process.
The screen confirming payee deletion appears. The details of the account/draft deleted are also displayed on this screen.
Click Go to Dashboard to navigate to the dashboard.
OR
Click More Payment Options to access other payment options.

Add New Payee

To add a new payee:

In the Manage Payees screen, click the Add New Payee link.
The Add New Payee pop up window appears with the options to choose the type of account that is to be assigned to the payee being created.
Select the option Bank Account to add a payee having a bank account. For more information on Add Payee - Bank Account, click here.
Select the option Demand Draft to add details of a demand draft to be issued to a payee.
For more information on Add Payee - Demand Draft, click here.

FAQs

Can I delete payees towards whom I no longer need to make payments?

Can I edit the payee name or account details of the payee once a payee has been created?

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